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Country Heritage Credit Union

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Country Heritage Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Country Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 20, 2026

You can compare Country Heritage Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.40%, 6-month share certificate rates at 3.17% and 3-month share certificate rates at 0.55%. Savings rates are at 0.05% and money market rates are at 1.00%. Mortgage rates on 30-year fixed loans are around 5.76%. All these rates can be compared to Country Heritage Credit Union rates. MonitorBankRates evaluates the financial stability of Country Heritage Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.82%. Rates were last updated on 04/20/2026.

Country Heritage Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Country Heritage Credit Union? Share your experience about Country Heritage Credit Union by leaving a review below, or read customer reviews before you decide to use Country Heritage Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.82%

Excellent Lower than avg

Country Heritage Credit Union
Country Heritage Credit Union

16580 Bakertown Rd
Buchanan, MI 49107 9201

http://countryheritagecu.com/

Current Rate Availability

We do not have Country Heritage Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Country Heritage Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Country Heritage Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Country Heritage Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Country Heritage Credit Union

Website http://countryheritagecu.com/

Address 16580 Bakertown Rd, Buchanan, MI 49107 9201

Phone 269-695-2334

Fax 269-695-2335

President William Messner

CEO Frances Terry

Full-Time Employees 8

Part-Time Employees 0

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.82%

Return on Assets (ROA)

0.6603%

Return on Equity (ROE)

3.1451%

Non-Performing Loans Ratio (NPL)

1.72%

Total Assets

52,350,309

Total Amount of Shares and Deposits

41,266,081

Total Shares and Deposits < 1 Year

35,496,496

Total Shares and Deposits 1 3 Years

3,484,647

Total Shares and Deposits > 3 Years

2,284,939

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

10,633,887

Total Uninsured Shares and Deposits > $250K (F+J)

10,633,887

Total Insured Shares and Deposits > $250K (item 17 less item K)

30,632,194

Total Interest Expense (Sum of items 6 8)

794,697

Share Certificates

403

Number of Accounts for Share Drafts

350

IRA KEOGH Accounts

121

Number of Accounts for Regular Shares

1,643

Net Income (unless the amount is already included in Undivided Earnings)

345,661

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,404,627

Total Liabilities

41,350,372

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Country Heritage Credit Union

Is Country Heritage Credit Union a safe place to deposit money?

Yes, Country Heritage Credit Union is considered a safe financial institution. With a Texas Ratio of 5.8199949029221%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Country Heritage Credit Union operate?

Country Heritage Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Country Heritage Credit Union?

Yes, to access services at Country Heritage Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Country Heritage Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Country Heritage Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Country Heritage Credit Union offer online and mobile banking?

Most modern institutions like Country Heritage Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: http://countryheritagecu.com/.